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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $119,577 | $160,040-25.3% | $147,096-18.7% | $145,877-18.0% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 21.28% | 98.49%-77.2pp | 419.75%-398.5pp | 551.28%-530.0pp |
| Employer contribution / active EE | $3,017 | $5,289-43.0% | $4,936-38.9% | $4,663-35.3% |
| Participant deferral / active EE | $7,818 | $8,429-7.3% | $8,071-3.1% | $6,691+16.8% |
| Admin fee / account holder | $12,959 | $15,050-13.9% | $13,005-0.4% | $13,402-3.3% |